Updated Today
5-Yr Fixed (Insured):From 4.44%(Fixed)3-Yr Fixed (Insured):From 4.34%(Fixed)5-Yr Variable ARM:From 3.44%(Prime - 1.01%)HELOC (1st Pos):From 4.95%(Revolving)Private 2nd Mtg:From 7.99%(Fast Equity)BoC Prime Benchmark:4.45%(Bank of Canada)
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Updated Today • Verified Master Rate Feed

Today's Verified Mortgage Rates

Real-time rate benchmarks harvested directly from over 30 Canadian banks, credit unions, and institutional lenders. Compare starting rates, prime spreads, and product tiers across BC, Alberta & Ontario.

Bank of Canada Prime Benchmark:4.45%
Lowest 5-Yr Fixed:From 4.44%
Lowest 5-Yr Variable:From 3.44%

Comprehensive Canadian Market Benchmark Matrix

Rates apply to owner-occupied and qualifying residential properties in BC, AB & ON (OAC). Terms subject to lender guidelines.

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Term & ProductProgram TierStarting RatePricing FormulaSample Leading LenderAction
Actual rate depends on credit profile, LTV, property location, and debt ratios. Private 2nd mortgages start from 7.99% with appraisal.
Kraft Mortgages Canada Inc. • FSRA & BCFSA Licensed Brokerage

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Default interest rates are automatically synchronized to today's lowest market benchmark.

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